Zoomex Card vs Coinbase Card
For spending abroad FX markup matters, and Zoomex Card does better (0% vs 2.49%). In our editorial rating Coinbase Card leads (4.3 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Zoomex Card and Coinbase Card.
| Zoomex Card | Coinbase Card | |
|---|---|---|
| Tier | B | S |
| Rating | ★ 3.0 | ★ 4.3 |
| Estimated net annual cost | €0 | €0 |
| Network | Mastercard | Visa |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | Nessun prelievo ATM: la carta e' solo virtuale e non supporta prelievi di contante. | $2.50 per withdrawal |
| ATM withdrawal | Free | Free |
| FX markup | 0% | 2.49% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 2/10 | 2/10 |
| Supported countries | EEA, UK, APAC | US, UK, EEA · 49+ countries |
| Funding / solidity | Zoomex e' un exchange di derivati crypto fondato nel 2021, con oltre 3 milioni di utenti in piu' di 35 regioni. La carta e' emessa in collaborazione con UR, infrastruttura bancaria on-chain per stablecoin (marchio dell'istituto svizzero SR Saphirstein AG) che dichiara copertura in oltre 50 paesi con accesso fiat multi-valuta. | Quotata NASDAQ (COIN) · 105M utenti · $6,2B ricavi |
| Regulator | FINMA (Svizzera) per il custode UR / SR Saphirstein AG; Zoomex registrata come MSB US/Canada, NFA US e AUSTRAC Australia | SEC (public company); NYDFS; state regulators |
| Segment | B2C | B2C |
| On-chain settlement | — | No |
| OAM Italy registration | — | Yes |
| Past incidents | — | May 2025: data breach via bribery of customer-support contractors; personal data (names, contacts, ID images, partial SSN/bank numbers) of 69,461 users exposed — no passwords, private keys or funds compromised. Coinbase refused the $20M ransom; estimated cost $180–400M. · 2021: a phishing/SIM-swap campaign drained funds from roughly 6,000 accounts by exploiting a flaw in SMS 2FA recovery. |
| Regions | EU/EEA, UK, APAC | US, UK, EU/EEA |
| Licences & safety | Swiss Banking Act Art. 1b (UR, FINMA-supervised custodian), Zoomex: US/Canada MSB, Zoomex: US NFA, Zoomex: Australia AUSTRAC | MiCA CASP |
Frequently asked questions
Zoomex Card vs Coinbase Card: which is better?
For spending abroad FX markup matters, and Zoomex Card does better (0% vs 2.49%). In our editorial rating Coinbase Card leads (4.3 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Zoomex Card and Coinbase Card.
Which is cheaper, Zoomex Card or Coinbase Card?
On the standard spending profile Zoomex Card has the lowest net annual cost: €0 versus €0 for Coinbase Card.
Is Zoomex Card custodial or self-custody?
Zoomex Card is custodial: funds are held by the platform, while Coinbase Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Zoomex Card wins, with the lowest FX markup: 0%.